HDFC Liquid Fund vs Angel One Mutual Fund Mid Cap Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
12.96%
Dekho, aapko sabse pehle yeh pata chalna hoga ki ye dono funds kis category se aate hain. Fund A HDFC Liquid Fund ka direct plan hai, jo liquid category se aata hai. Iske liye aapko aise funds ka chayan karna hoga jo aapko short-term investment ke liye sahi lagte hain. Fund B Angel One Mutual Fund Mid Cap Fund ka regular plan hai, jo mid cap category se aata hai. Iske liye aapko aise funds ka chayan karna hoga jo aapko long-term investment ke liye sahi lagte hain. Yeh article aapko yeh sab kuchh dekhne mein madad karega.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BAngel One Mutual Fund Mid Cap Fund - Regular Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Angel One Mutual Fund |
| Category | Liquid | Mid Cap |
| NAV (₹) | 5466.12 | 116.77 |
| AUM (₹ Cr) | 7.29 Lac Cr | 1.55 Lac Cr |
| Expense Ratio (%) | 0.2% | 1.75% |
| Riskometer | Low | Very High |
| Volatility | 0.11 | 14.85 |
| Sharpe Ratio | 3 | 0.44 |
| 1 Year Return (%) | 6.08% | -1.93% |
| 3 Year Return (%) | 6.83% | 12.96% |
| 5 Year Return (%) | 6.01% | 12.33% |
| Since Launch (%) | 34.46% | 10.42% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 3 April 2006 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | Chirag Setalvad; Dhruv Muchhal (13.4 years yrs) |
| Benchmark | NIFTY Liquid Index | Nifty Midcap 150 TRI |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | Voltas Ltd. (3.8%), Mphasis Ltd. (3.5%), Coforge Ltd. (3.2%) |
| Asset Allocation | CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04% | Equity: 94.00% | T-Bills: 6.00% |
| Portfolio Turnover | 203% | 25% |
🤖 AI Verdict – Which is Better?
Haan, yeh sab kuchh dekhte hue, yeh verdict hai ki Fund B Angel One Mutual Fund Mid Cap Fund aapke liye better hai. Yeh isliye hai kyonki iski 3Y return 12.96% hai, jo Fund A ki 3Y return 6.83% se zyada hai. Lekin, expense ratio mein yeh Fund A ki taraf se behtar hai. Riskometer mein bhi yeh Fund B ki taraf se behtar hai, kyonki yeh very high risk hai, isliye isme investment karna aapke liye thoda riski ho sakta hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Angel One Mutual Fund Mid Cap Fund?
- Expense ratio: 1.75%
- 3Y return: 12.96%
- AUM: 1.55 Lac Cr
- Sharpe Ratio: 0.44
📈 SIP Suitability
Chaliye, aap SIP ke liye dono funds ka comparison karte hain. Fund A ka 1Y return 6.08% hai, jiski consistency thodi hai. Fund B ka 1Y return -1.93% hai, jiski consistency bahut kam hai. Lekin, Fund B ka 3Y return 12.96% hai, jo Fund A ki 3Y return 6.83% se zyada hai. Isliye, Fund B aapke liye better SIP option hai.
⚠️ Risk & Cost Analysis
Sach ye hai, Fund A mein riskometer low hai, jiski volatility 0.11 hai. Lekin, sharpe ratio mein yeh Fund B ki taraf se behtar hai, jiski sharpe ratio 0.44 hai. Expense ratio mein bhi Fund A behtar hai, jiski expense ratio 0.2% hai. Isliye, Fund A aapke liye better risk-adjusted returns offer karta hai.
📊 Portfolio Diversification
Asset allocation mein dekhte hue, Fund A mein CP 47.67%, CD 31.92%, T-Bills 19.85%, Debenture 2.05%, Bonds/NCD 0.13%, Debt 0.06%, aur SDL 0.04% hai. Fund B mein equity 94.00%, aur T-Bills 6.00% hai. Isliye, Fund A ka portfolio thoda diversified hai. Lekin, Fund B ka portfolio mein sector risk bhi hai, kyonki yeh mid cap fund hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Angel One Mutual Fund Mid Cap Fund
₹1230435.05
@13.0% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
Fund B Angel One Mutual Fund Mid Cap Fund 5Y return 12.33% hai, jo Fund A ki 5Y return 6.01% se zyada hai. Isliye, Fund B aapke liye long run mein better returns offer karta hai.
Q2: Is the higher risk fund worth it?
Fund B ki volatility 14.85 hai, jo Fund A ki volatility 0.11 se kam hai. Lekin, Fund B ki sharpe ratio 0.44 hai, jo Fund A ki sharpe ratio 3 se kam hai. Isliye, Fund B ke higher risk ko worth karna thoda mushkil hai.
Q3: Which fund is more cost-effective?
Fund A ki expense ratio 0.2% hai, jo Fund B ki expense ratio 1.75% se kam hai. Isliye, Fund A aapke liye cost-effective hai.
Mahendra Maurya
6+ Years in Banking, Wealth Management & Financial ServicesFounder & Author of ShareTargetPrice.in. 6+ years in Banking, Wealth Management & Financial Services.
📊 Author & Founder at Share Target Price